Wedding Loans

Real life loans for real people

Apply now

Don’t have sleepless nights over your happiest day.

Planning your wedding can be a wonderful experience, and with so many options for your big day it pays to plan ahead. The planning takes time: The average Australian couple spends 1 year and 5 months working out the details. Yet despite all the preparation, an amazing 60%  of people still go over budget on their wedding1. The trick to succeeding? Make a plan and stick to it. 

Icon of a wedding cake

What to budget? According to the Australian Securities and Investments Commission, the average wedding in Australia costs around $36,2002. Other research suggests we should then add around another 25% for the honeymoon.

Whether you want to go all out or you’re looking to create a careful budget, Pepper Money is here to help you finance your big day, with little stress.

Here's where Pepper Money can help

There are no surprises
There are no surprises

With zero establishment fees and zero monthly fees. 

It's super quick
It's super quick

Apply online from any device, from start to finish in 15-20 minutes. 

Competitive interest rates
Competitive interest rates

Starting from 9.99% p.a.* (comparison rate**) based on your circumstances.

Get your indicative rate

Use our calculator to find out your unsecured personal loan indicative rate and how much your repayments might be. The better your credit rating the lower the interest rate you'll receive. 

What’s your credit situation? Email Hint

Please choose your credit ratings.

Select a loan purpose

Please choose loan reason

Choose a loan amount


Max. eligible amount : $50,000

Choose a loan term

Please choose loan term

Select type of interest

Please choose interest type

Pick payment frequency

Please choose repayment frequency

Which product is best for my wedding?

Interest Rate Type Variable Fixed
Interest Rate Starting from 9.99% p.a.* comparison rate**
Easy online application Yes
Loan Terms 1 - 7 years
Loan Amount $5,000 - $50,000
Funds paid into your account Next business day following approval
Account statements 6 monthly
Flexible Repayments Weekly / Fortnightly / Monthly
Repayment Facilities BPAY / Direct Debit / Direct Credit
Monthly account keeping fees $0
Break fee - if early repayments exceed an amount equal to three months' repayments or more N/A $150
Early repayment fee - if you repay your loan in full prior to the end of the term N/A $300

Popular questions

With a Pepper Money unsecured wedding loan you can borrow up to $50,000 for your special day.

You can use our unsecured wedding loan for any of your wedding costs.

We’ll pay funds into your nominated account on the next business day following approval. That means you’ll have the flexibility to pay each of your wedding costs any way you want.

Pepper Money does consider applications that have defaults providing they pass our credit score and application lending criteria.

A credit score is generally provided by a credit reporting body and used to represent the creditworthiness of an applicant. Pepper will use credit scores to partly determine if you qualify for a loan, at what interest rate, and what credit limits. Many factors can impact your credit score including number of enquires, adverse credit listings and personal information held on your credit file.

For the full FAQs click here.

Start your journey.

Our job is to help make your special day, extra special.

Apply Now

*Interest rates range from a minimum of 9.99% to a maximum of 27.99% p.a. Rates are correct as at 15 October 2018 and subject to change at any time. The actual interest rate applicable will depend on the individual borrower’s circumstances.

** All Comparison Rates are calculated based on an unsecured loan of $30,000 over a 5 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

All applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply.



Help at hand

For more of your questions answered visit our Help Centre.